Car Insurance in Lucknow
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Lucknow is the largest city in Uttar Pradesh and the eleventh most populated city in India. Popular for its culture, artistry and history, this city has a large inflow of tourists during the peak seasons. A car insurance policy is crucial if you are a vehicle owner in this populous city. It will provide you with financial coverage against damages in the event of an accident or theft.
Moreover, the Motor Vehicles Act of 1988 has made it mandatory for all vehicle owners to have at least a third-party motor insurance policy. So, if you are considering getting a car insurance policy, opt for Digit Insurance. Read on to know more.
Being a part of the Golden Triangle (Delhi - Lucknow - Rajashthan), tourists visiting India, often travel Lucknow. Distance from Delhi to Lucknow is not so far, and hence tourists never leave Lucknow unexplored. The City has historic paradigms of Mughal Culture. The archaeological importance of the city is high with all the mesmerizing buildings and architectural carvings.
With such an immense beauty of the city, it entertains tourists from across the globe. And hence traffic on the Lucknow roads is from all over. The misery over road traffic is due to dense traffic from various different parts. As a result, the beauty of the city is ruined with unwelcoming traffic behaviour.
“Despite a slew of safety initiatives introduced on the directives of the Supreme Court, the number of road traffic deaths in Uttar Pradesh continues to climb steadily — reaching 22,256 in 2018.” - Hindustan Times, Mar. 2019
Why Do You Need Car Insurance in Lucknow?
Let's look at some of the challenges faced by car owners in Lucknow which makes having a valid car insurance policy even more important.
A Crowd from All-over
The core reason behind accidents is traffic is from various different terrains. Rules for every other fellow on the road varies which creates a road mess.
Under Construction Roads
Roads in Lucknow are still under construction. And rainy season creates muddy potholes on the road. This goes quite troublesome for the dense traffic in the city. Car and vehicles get damaged due to such road conditions.
Accidents on Lucknow-Agra Expressway
This 302 KM long highway connects two big cities in India. This road is so smooth, even fighter jets have landed on it. This six-lane highway gives sheer driving pleasure but at the same time, all these advantages will feel like a curse when you look at the accident rates. Between April 2018 and December 2018, 1,113 accidents resulted in 91 fatalities. This highway becomes a death valley in winter due to fog. Hence, car insurance is necessary in Lucknow with PA cover that provides financial assistance for medical treatment.
Tourists Unfamiliar with Local Language
Internation tourists that travel to India, are unfamiliar with both, rules and language. Hence, usually, habitats residing in the city might get the upper hand in claiming their safety. However, tourists might have respective documents that secure their transportation safety.
Auto-Lifters Gang
Despite of heavy police claims the car thefts in the city are not in control. In the last week of August 2019, 2 SUVs and one Hatchback car have been stolen from different localities. Though all the cases are recorded in the CCTV cameras, the auto lifters are not behind the bars yet.
How Can Digit Car Insurance Save Your Car in Lucknow?
With the kind of traffic immigrating to the city, rules get set. Digit Car Insurance policies ensure that your car is protected against any car damage, penalty charged and car accidents.
- Digit Car Insurance Policies for Lucknow: In case accidentally, you hit up any other car on the Lucknow roads, Third-party Liability Policy will help you. And if in case, someone else happens to hit your car, Comprehensive Car Policy will help you out in saving your expenditure.
- Car Insurance that Saves You From Road Charges: Although it is applicable cross India, a few travellers are alien to the land. Hence, the fine that is applicable for legal car owners who are found without third party car insurance, could be saved or minimized. Digit third party car insurance also helps you with damage compensation caused to any other vehicle on the Lucknow road.
- Comprehensive Car Insurance to Protect Cars: Digit Comprehensive car insurance for Lucknow will safeguard your car in Lucknow. The Comprehensive insurance policy comprises protection for, third-party car damage as well as your own car mashup.
- Own Damage Car Insurance: This policy covers loss and damage to your own car, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party car insurance policy.
- Personal Accident Cover: As Lucknow is connected to an accident-prone expressway, opting for a personal accident cover is a wise decision. This cover helps financially in the case of any bodily injury, permanent disability or even death. Digit's personal accident cover can prove to be very beneficial and save your hard-earned money and your family as well.
- Customizable Add-ons for Lucknow Roads: The best thing about Digit Car insurance policy is that you can easily customize the car insurance policies. The fear of your car getting stolen will be no more with Return To Invoice add-on.
Why Choose Car Insurance in Faridabad by Digit?
We treat our customers like VIPs, know how…
Cashless Repairs
With access to over 9000+ cashless garages across India, you can get your car repaired without worrying about upfront payments. Digit also offers pickup and drop, adding convenience to the repair process.
Smartphone-Enabled Self Inspection
Skip the hassle of physical inspections. Digit allows you to upload photos and videos of the damage directly from your smartphone, making the claim process faster and more convenient.
Super-Fast Claims
Digit has settled 96% of motor claims, with most processed in just a few hours. The digital-first approach ensures minimal paperwork and quick turnaround, so you can get back on the road sooner.
24*7 Support
Whether it’s a weekday, weekend, or national holiday, Digit’s support team is available round the clock to assist you with queries, claims, or policy updates.
Customize Your Vehicle IDV
You have the flexibility to set your car’s Insured Declared Value (IDV) based on your preference. This helps you balance your coverage and premium according to your needs.
Complimentary Wellness Benefits
As a Digit customer, you get access to exclusive wellness offers & benefits. Top-rated health and wellness partners provide these benefits, adding extra value to your insurance plan.
Key Features of Digit's Car Insurance Policy
What’s Covered in Digit Car Insurance in Lucknow?
Accidents
Covers damage from collisions
Theft
Protection if your car is stolen
Fire
Covers accidental fire damage
Natural Disasters
Includes floods, cyclones, etc.
Personal Accident
Compensation for owner’s death or disability
Third Party Damages
Covers damage to others’ property or vehicles
Car Insurance Add-ons Available in Lucknow
Following are the car insurance add-ons available in Lucknow:
What’s not Covered in Digit Car Insurance in Lucknow?
Understanding what's not covered is just as crucial—so you're not caught off guard when making a claim. Here are key exclusions to keep in mind
Own Damages for Third-Party Policy Holder
Third-party policies don’t cover your car’s damage
Drunk Driving
No cover if driving under influence or without a valid licence
Driving without a Valid Driving Licence
No cover if driving without a qualified supervisor
Consequential Damages
Indirect damage after an accident isn’t covered
Contributory Negligence
Damage from ignoring safety guidelines (e.g., driving in floods) is excluded
Add-Ons Not Bought
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Car Insurance Plans in Lucknow
Third party
A Third-Party Car Insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.
Comprehensive
A Comprehensive Car Insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.
Standalone Own Damage
An Own Damage Car Insurance is for yourself; it covers loss and damage only to your own car in case of accidents and collisions, natural calamities, fires, and thefts.
Third-Party
Comprehensive
Own Damage
|
Damages/Losses to own car due to an accident |
×
|
✔
|
✔
|
|
Damages/Losses to own car in case of fire |
×
|
✔
|
✔
|
|
Damages/Losses to own car in case of a natural calamity |
×
|
✔
|
✔
|
|
Damages to Third-Party Vehicle |
✔
|
✔
|
×
|
|
Damages to Third-Party Property |
✔
|
✔
|
×
|
|
Personal Accident Cover |
✔
|
✔
|
×
|
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
|
Theft of your car |
×
|
✔
|
✔
|
|
Customize your IDV |
×
|
✔
|
✔
|
|
Extra protection with customized add-ons |
×
|
✔
|
✔
|
Know more about the difference between comprehensive and third party insurance
How to Buy Car Insurance in Lucknow with Digit?
Enter Car Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of car insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
Digit's Cashless Garages
Get cashless repairs at 9000+ garages across India
Popular Cashless Garages in Digit's Network in Lucknow
Here’s the list of Digit's top 25 cashless garages in Lucknow, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.
Digit Insurance Registered Offices in Lucknow
Here is the list of office addresses in Lucknow as of July 31st, 2025